Climate Risk Summary

Zip Code 28164, Risk Profile

The primary drivers of climate-related financial risk in Lowesville, NC (28164) are Inland Flooding, Tornado, and Ice Storm.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$4,247,850

Expected Annual Loss for Zip Code 28164

50.4Score

Very High compared to US average

28164
Minimal Estimated LossMax Estimated Loss

Tornado

$684,942

Expected Annual Loss for Zip Code 28164

67.0Score

Relatively High compared to US average

28164
Minimal Estimated LossMax Estimated Loss

Ice Storm

$217,565

Expected Annual Loss for Zip Code 28164

87.1Score

Very High compared to US average

28164
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$4,247,850
Score: 50.4
MAJOR DRIVER
Tornado
$684,942
Score: 67.0
MAJOR DRIVER
Ice Storm
$217,565
Score: 87.1
Strong Wind
$204,370
Score: 73.0
Earthquake
$189,923
Score: 54.9
Cold Wave
$123,957
Score: 38.2
Lightning
$109,221
Score: 69.2
Hurricane
$70,975
Score: 55.7
Heat Wave
$57,078
Score: 17.1
Hail
$57,031
Score: 57.4
Winter Weather
$7,446
Score: 41.6
Wildfire
$3,751
Score: 62.2
Drought
$1,731
Score: 67.8
Landslide
$225
Score: 73.6

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 50.4
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 67.0
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 87.1

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

Nearby Locations

Zip Code 28120Zip Code 28080Zip Code 28006Zip Code 28037Zip Code 28078Zip Code 28214